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This insurance cover is designed to lessen the financial strain on the loved ones you leave behind in the event of your death. The lump sum payment may help them pay for immediate costs such as your funeral, and other costs such as daily bills or paying off bank loans. Find out more...

Trauma cover provides you with a one off lump sum payment to reduce the strain both financially and emotionally of dealing with a serious illness or injury (the defined conditions are outlined in the policy document). Find out more...

* By answering "No", you are confirming that you have not smoked any form of tobacco product in the last 12 months** This premium is indicative only and may vary slightly (by a few cents) due to rounding

Trauma Cover Available

Eligible entry ages

20 - 55*

Maximum sum insured

$750,000* (20-49). $500,000* (50-55)

Benefit type

Accelerated - an advanced payment of Life Cover.

In this option if you experience one of the defined serious illness, injures or treatments and receive the lump sum trauma payment, the amount of your life cover will reduce by the amount paid for the trauma claim. There is a built in Life Cover Buy Back benefit. This allows the sum insured on the life cover to be reinstated either 6 or 12 months after a trauma claim has been paid, depending on what condition was claimed on, without the need for any future health information.

*Ages and sums outside of this range may be considered by Excalibur on an individual basis.

Cashback Terms: Life Cover

We appreciate your business and as a way of saying “thank you” when you purchase your Life or Mortgage Protection Insurance, you will receive a cashback rebate on the premiums paid for the first year.

Please note your policy needs to be in force and premiums paid up to date to be eligible for the cashback rebate.

This offer is for a limited time only.

Duty of Disclosure

Your Duty of Disclosure for the Life to be Insured and Policy Owner(s)

Before you enter a contract of insurance you have a duty to disclose to Fidelity Life every matter that is relevant to Fidelity Life's decision whether to accept the risk of insurance and if so on what terms. You have the same duty to disclose those matters to Fidelity Life that occur after signing this application and before your contract of insurance commences. You also have the same duty to disclose those matters to Fidelity Life before you apply to increase or re-instate your insurance. If you fail to comply with your duty of disclosure, Fidelity Life may cancel your policy from inception, or at its discretion, alter the amounts and terms of the insurance or decline to consider any claim/s. If Fidelity Life cancels your policy from inception, all premiums paid may be forfeited.

You fall outside the age range...

Unfortunately your age falls outside of the 20-59 age range for this type of coverage. Please enter your details below, so we can contact you and discuss other options. You may still be eligible for coverage.

Sorry you don't have time to fill out the rest of the form. As a reminder and to make things easier, we've sent you an email which includes a link that will return you back to where you left off on your policy application.

Fidelity Life Assurance Company Limited has an 'A-'(Excellent) Financial Strength Rating issued by A. M. Best Company on 12 February 2012. This rating has remained the same since December 1996. The scale by which this rating forms a part of, is available by clicking here.

TOWER Insurance Limited have an 'A-'(Excellent) Financial Strength Rating issued by A. M. Best Company on 26 July 2013.